How to Find Affordable Health Insurance in the State of West Virginia

Residents in West Virginia with low incomes who cannot afford medical insurance may be eligible for a number of Medicaid programs.

Medicaid programs for families and children include AFDC Medicaid for uninsured families and children with limited incomes, AFDC-Related Medicaid for those whose incomes exceed the limit for AFDC Medicaid, and Children With Disabilities Community Services program for families with a disabled child whose income does not exceed 300% of Supplemental Security Income (SSI) level.

Pregnant women with children under age one and income not exceeding 150% of Federal Poverty Level (FPL) may be eligible for health insurance through the Poverty-Level Pregnant Women and Infants Under Age One program.

There are also programs covering additional age groups for children such as Poverty-Level Children Ages 1-5 (income not exceeding 133% of FPL) and Poverty-Level Children Ages 6-16 (income not exceeding 100% of FPL). Children's Health Insurance Program (CHIP) considers children under 19 for health insurance if they are uninsured; it provides full medical coverage.

For adults, SSI-Related Medicaid offers insurance for the elderly (65 and older), blind and disabled who do not qualify for SSI, Breast and Cervical Cancer program for uninsured women who don't qualify for Medicare, programs for those receiving Medicare that helps pay their premiums; qualifying incomes are at 100%, 135% and 200% of FPL. Medicaid Work Incentive is for disabled people 16 to 65 and income not exceeding 250% of FPL . There are also Medicaid programs providing insurance for long-term care; income limits apply.

West Virginia also has nine free health clinics, hospitals that offer free or discounted services to people who qualify, free dental care, free physical, occupational and speech therapy services, and more.

West Virginia Children's Health Insurance Program:
www.chip.wv.gov

West Virginia Healthy Kids and Families Coalition:
www.wvhealthykids.org

West Virginia Bureau for Public Health:
www.wvdhhr.org/bph/

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